Andrew Carruthers - Perth & Regional WA Finance Broker

Andrew Carruthers - Perth & Regional WA Finance Broker Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

With over 25 years of experience in business, commercial banking, and personal finance, I am dedicated to providing you expert lending solutions for every need. Credit Representative 564398 authorised under Credit Licence 389328. Please refer to https://cmortgages.com.au for our privacy policy.

โ€œ๐˜๐จ๐ฎ ๐ง๐ž๐ž๐ ๐Ÿ ๐ฒ๐ž๐š๐ซ๐ฌ ๐จ๐Ÿ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ๐ฌ ๐ญ๐จ ๐ ๐ž๐ญ ๐š ๐ก๐จ๐ฆ๐ž ๐ฅ๐จ๐š๐ง ๐ข๐Ÿ ๐ฌ๐ž๐ฅ๐Ÿ-๐ž๐ฆ๐ฉ๐ฅ๐จ๐ฒ๐ž๐โ€In some circumstances, this may not be the case.This...
02/06/2026

โ€œ๐˜๐จ๐ฎ ๐ง๐ž๐ž๐ ๐Ÿ ๐ฒ๐ž๐š๐ซ๐ฌ ๐จ๐Ÿ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ๐ฌ ๐ญ๐จ ๐ ๐ž๐ญ ๐š ๐ก๐จ๐ฆ๐ž ๐ฅ๐จ๐š๐ง ๐ข๐Ÿ ๐ฌ๐ž๐ฅ๐Ÿ-๐ž๐ฆ๐ฉ๐ฅ๐จ๐ฒ๐ž๐โ€

In some circumstances, this may not be the case.

This is one of the biggest misconceptions many business owners have, and it stops them from exploring opportunities to improve their property portfolio.

Some lenders may assess applications using:

โžก๏ธ 1 year of financials
โžก๏ธ BAS statements (Business Activity Statements)
โžก๏ธ Accountant's Letters

Why this matters now...

A lot of businesses have just wrapped up their FY25 tax returns. And for many, FY25 was a stronger year than FY24.

But under the old mindset:

๐Ÿ‘‰ Lenders average 2 years
๐Ÿ‘‰ A weaker prior year drags everything down

If your business has improved, grown, or rebounded, your borrowing capacity may be different to what you expect.

In some cases, lenders can use your BAS statements or an Accountant's letter to verify income and trading performance instead of waiting for full-tax returns.

This can be powerful if:

๐Ÿ’ Your latest financials arenโ€™t finalised yet
๐Ÿ’ Your most recent trading is stronger than prior periods

If youโ€™re not sure where you stand, get a professional opinion. The right lender, policy and structure can make all the difference to your finance strategy.

๐˜ˆ๐˜ด๐˜ด๐˜ฆ๐˜ด๐˜ด๐˜ฎ๐˜ฆ๐˜ฏ๐˜ต ๐˜ฎ๐˜ฆ๐˜ต๐˜ฉ๐˜ฐ๐˜ฅ๐˜ด ๐˜ข๐˜ฏ๐˜ฅ ๐˜ฆ๐˜ญ๐˜ช๐˜จ๐˜ช๐˜ฃ๐˜ช๐˜ญ๐˜ช๐˜ต๐˜บ ๐˜ธ๐˜ช๐˜ญ๐˜ญ ๐˜ท๐˜ข๐˜ณ๐˜บ ๐˜ฃ๐˜ฆ๐˜ต๐˜ธ๐˜ฆ๐˜ฆ๐˜ฏ ๐˜ญ๐˜ฆ๐˜ฏ๐˜ฅ๐˜ฆ๐˜ณ๐˜ด ๐˜ข๐˜ฏ๐˜ฅ ๐˜ฅ๐˜ฆ๐˜ฑ๐˜ฆ๐˜ฏ๐˜ฅ ๐˜ฐ๐˜ฏ ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜ช๐˜ฏ๐˜ฅ๐˜ช๐˜ท๐˜ช๐˜ฅ๐˜ถ๐˜ข๐˜ญ ๐˜ง๐˜ช๐˜ฏ๐˜ข๐˜ฏ๐˜ค๐˜ช๐˜ข๐˜ญ ๐˜ค๐˜ช๐˜ณ๐˜ค๐˜ถ๐˜ฎ๐˜ด๐˜ต๐˜ข๐˜ฏ๐˜ค๐˜ฆ๐˜ด.

๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ ๐Ÿ๐ž๐ž๐ฅ ๐ฌ๐ญ๐ฎ๐œ๐ค ๐ฐ๐ข๐ญ๐ก ๐š๐ง ๐ฎ๐ง๐œ๐จ๐ฆ๐ฉ๐ž๐ญ๐ข๐ญ๐ข๐ฏ๐ž ๐ซ๐š๐ญ๐ž ๐Ÿ๐จ๐ซ ๐ฒ๐จ๐ฎ๐ซ ๐’๐Œ๐’๐… ๐ฉ๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ ๐ฅ๐จ๐š๐ง? ๐‡๐ž๐ซ๐ž'๐ฌ ๐š๐ง ๐š๐ฅ๐ญ๐ž๐ซ๐ง๐š๐ญ๐ข๐ฏ๐ž ๐ฐ๐จ๐ซ๐ญ๐ก ๐ž๐ฑ๐ฉ๐ฅ๐จ๐ซ๐ข๐ง๐ ...A new ...
18/04/2026

๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ ๐Ÿ๐ž๐ž๐ฅ ๐ฌ๐ญ๐ฎ๐œ๐ค ๐ฐ๐ข๐ญ๐ก ๐š๐ง ๐ฎ๐ง๐œ๐จ๐ฆ๐ฉ๐ž๐ญ๐ข๐ญ๐ข๐ฏ๐ž ๐ซ๐š๐ญ๐ž ๐Ÿ๐จ๐ซ ๐ฒ๐จ๐ฎ๐ซ ๐’๐Œ๐’๐… ๐ฉ๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ ๐ฅ๐จ๐š๐ง? ๐‡๐ž๐ซ๐ž'๐ฌ ๐š๐ง ๐š๐ฅ๐ญ๐ž๐ซ๐ง๐š๐ญ๐ข๐ฏ๐ž ๐ฐ๐จ๐ซ๐ญ๐ก ๐ž๐ฑ๐ฉ๐ฅ๐จ๐ซ๐ข๐ง๐ ...

A new refinance pathway is streamlining aspects of the process to help you switch.

If you qualify, here's what may be available:

โœ”๏ธ Dollar-for-dollar SMSF loan refinance (excluding exit + set-up costs)
โœ”๏ธ Serviceability based on just the last 6 monthsโ€™ repayment history

๐„๐ฅ๐ข๐ ๐ข๐›๐ข๐ฅ๐ข๐ญ๐ฒ ๐œ๐ซ๐ข๐ญ๐ž๐ซ๐ข๐š:
โ€ข Repayments made on time the last 6 months
โ€ข New loan delivers a lower repayment and/or interest rate
โ€ข LVR โ‰ค 80%
โ€ข Corporate Trustee structure

๐–๐ก๐š๐ญโ€™๐ฌ ๐ซ๐ž๐ช๐ฎ๐ข๐ซ๐ž๐:
โ€ข Complying SMSF (verified via Super Fund Lookup)
โ€ข Last 6 months of loan statements showing clean conduct
โ€ข Trust Deeds (SMSF + Bare Trust)

Another feature is that independent Legal Advice will be waived. The Member/Guarantor signs a waiver as part of the loan pack, saving on legal fees.

And to make it even more compellingโ€ฆ

๐Ÿ’ฅ $๐ŸŽ ๐š๐ฉ๐ฉ๐ฅ๐ข๐œ๐š๐ญ๐ข๐จ๐ง ๐Ÿ๐ž๐ž ๐Ÿ๐จ๐ซ ๐ซ๐ž๐ฌ๐ข๐๐ž๐ง๐ญ๐ข๐š๐ฅ ๐š๐ฉ๐ฉ๐ฅ๐ข๐œ๐š๐ญ๐ข๐จ๐ง๐ฌ ๐ฎ๐ง๐ญ๐ข๐ฅ ๐Ÿ ๐‰๐ฎ๐ง๐ž ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ” ๐ฐ๐ข๐ญ๐ก ๐ฌ๐ž๐ฅ๐ž๐œ๐ญ๐ž๐ ๐ฅ๐ž๐ง๐๐ž๐ซ๐ฌ (๐˜ด๐˜ถ๐˜ฃ๐˜ซ๐˜ฆ๐˜ค๐˜ต ๐˜ต๐˜ฐ ๐˜ฆ๐˜ญ๐˜ช๐˜จ๐˜ช๐˜ฃ๐˜ช๐˜ญ๐˜ช๐˜ต๐˜บ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ญ๐˜ฆ๐˜ฏ๐˜ฅ๐˜ช๐˜ฏ๐˜จ ๐˜ค๐˜ณ๐˜ช๐˜ต๐˜ฆ๐˜ณ๐˜ช๐˜ข)

This is a suitable option for SMSF borrowers who feel โ€œstuckโ€ with their current lender but have demonstrated strong repayment conduct to make a switch.

If this is you, letโ€™s talk

๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ ๐ญ๐ก๐ข๐ง๐ค ๐ ๐ž๐ญ๐ญ๐ข๐ง๐  ๐š ๐ก๐จ๐ฆ๐ž ๐ฅ๐จ๐š๐ง ๐ข๐ฌ ๐ฃ๐ฎ๐ฌ๐ญ ๐ฉ๐ฅ๐ฎ๐ ๐ ๐ข๐ง๐  ๐ง๐ฎ๐ฆ๐›๐ž๐ซ๐ฌ ๐ข๐ง๐ญ๐จ ๐š ๐œ๐จ๐ฆ๐ฉ๐š๐ซ๐ข๐ฌ๐จ๐ง ๐ฐ๐ž๐›๐ฌ๐ข๐ญ๐žโ€ฆYou might be surprised what most rea...
17/04/2026

๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ ๐ญ๐ก๐ข๐ง๐ค ๐ ๐ž๐ญ๐ญ๐ข๐ง๐  ๐š ๐ก๐จ๐ฆ๐ž ๐ฅ๐จ๐š๐ง ๐ข๐ฌ ๐ฃ๐ฎ๐ฌ๐ญ ๐ฉ๐ฅ๐ฎ๐ ๐ ๐ข๐ง๐  ๐ง๐ฎ๐ฆ๐›๐ž๐ซ๐ฌ ๐ข๐ง๐ญ๐จ ๐š ๐œ๐จ๐ฆ๐ฉ๐š๐ซ๐ข๐ฌ๐จ๐ง ๐ฐ๐ž๐›๐ฌ๐ข๐ญ๐žโ€ฆ

You might be surprised what most real applications look like.

In the past 12 months, I could count on one hand the number of truly โ€œsimpleโ€ applications Iโ€™ve seen.

Most applications involve some level of complexity.

๐‹๐ข๐Ÿ๐ž ๐ฌ๐ข๐ญ๐ฎ๐š๐ญ๐ข๐จ๐ง๐ฌ ๐ฅ๐ข๐ค๐ž:
๐Ÿ’ญ Separation
๐Ÿ’ญ Maternity leave
๐Ÿ’ญ Changing jobs

๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐Ÿ๐š๐œ๐ญ๐จ๐ซ๐ฌ ๐ฅ๐ข๐ค๐ž:
๐Ÿ’ญ Low deposits & complex income streams
๐Ÿ’ญ Credit history issues
๐Ÿ’ญ Joint debts with family & friends

๐Ž๐ซ ๐ฉ๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ ๐œ๐จ๐ฆ๐ฉ๐ฅ๐ž๐ฑ๐ข๐ญ๐ข๐ž๐ฌ ๐ฌ๐ฎ๐œ๐ก ๐š๐ฌ:
๐Ÿ’ญ Multiple properties on one title
๐Ÿ’ญ Favourable purchases
๐Ÿ’ญ SMSF lending

And often they overlap.

Every application has a story behind it - career changes, family situations, business income, or unexpected life events.

This is where the gap appears between what technology promises and what real borrowing scenarios look like. That said, Iโ€™m genuinely excited about how technology is evolving to support brokers and clients.

Platforms like Quickli are doing an exceptional job helping brokers navigate lender policies faster than ever.

But for the foreseeable future, the role of a broker remains incredibly valuable.

Not just finding a lender.

But interpreting complexity, structuring the deal, and guiding people through one of the biggest financial decisions of their lives (all with a personalised human touch!)

Technology will absolutely continue to transform mortgage broking.

The real opportunity is learning how to use it to solve complex human situations better.

Because most home loans arenโ€™t simple.

And thatโ€™s exactly why the right guidance matters!

If you have a complex lending scenario (business or personal), reach out for a chat!

Address

Unit 12, 8 Welshpool Road
East Victoria Park, WA
6101

Telephone

+61404027726

Website

Alerts

Be the first to know and let us send you an email when Andrew Carruthers - Perth & Regional WA Finance Broker posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Andrew Carruthers - Perth & Regional WA Finance Broker:

Shortcuts

Share

Category